Boise ID

Business Owners Need to Protect Their Employees with Workers’ Comp Insurance

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Worker’s compensation is essential. Why? It protects employees who become ill, injured, or killed on the job. It compensates them for the losses they suffer. It also keeps employers who are protected from paying for losses out-of-pocket and any lawsuits that could result. The Fuhriman Insurance Agency of Boise, ID can provide business owners protection.

Employers are vulnerable to costly lawsuits without workers’ compensation insurance protection. It helps employees if they fall on ice outside of their office and break an arm, if they work with chemicals daily and become sick, or if they get an accidental needlestick while tending to a patient.

Every state except Texas requires employers to purchase insurance coverage, providing a range of benefits for employees who become ill or injured because of their employment. They will receive benefits regardless of who is at fault.

What exactly is covered by workers’ compensation coverage?

  • Mental and physical injuries resulting from strain while on the job
  • Pre-existing conditions that become worse due to their job
  • Injuries that could happen during work-sponsored events, breaks, lunch periods, or any company function
  • Physical injuries caused by the performance of the job

Workers’ compensation insurance makes resulting injuries easier to bear if they cannot perform job functions for a period of time. It provides benefits to the worker and their family when the worker is incapacitated.

In addition to lost wages, the cost of retraining the employee, rehabilitation, and all medical expenses will be covered. The business is also protected as it provides income and relief for the worker after an accident, reducing the possibility of a lawsuit.

If you are a business owner, ensure you protect your interests and employees with worker’s compensation insurance. Contact the Fuhriman Insurance Agency of Boise, ID today. You will be glad you did.

The Different Types of Offroad Toys That You Can Enjoy

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There are many different types of recreational toys that you can find on the market. Each one offers its own set of benefits and features. Here is a look at some different offroad recreational toys from Fuhriman Insurance Agency of Boise, ID.

The Different Types of All-Terrain Vehicles

One of the most popular types of ATVs is the four-wheeler. Four-wheelers are typically smaller and lighter than other ATVs, making them easier to maneuver and handle. They also have a lower center of gravity, which makes them less likely to tip over.

Another popular type of ATV is the six-wheeler. Six-wheelers are larger and heavier than four-wheelers, but they offer more stability and traction. They are ideal for driving on rough terrain or in off-road conditions.

The Different Types of Utility Terrain Vehicles

Utility ATVs are designed for work purposes, such as hauling equipment or supplies. They are typically more extensive and more powerful than other types of ATVs. Many utility ATVs also have special features, such as a dump bed or a plow.

The Different Types of Side-by-Sides

Side-by-side ATVs are becoming increasingly popular, especially for those who want to use their ATVs for recreation or utility purposes. Side-by-side ATVs have two side-by-side seats, rather than one in front of the other. This design offers more stability and allows for more passengers to ride together.

Other Types of Recreational Toys

There are also several specialty ATVs on the market, such as racing ATVs and dune buggies. Racing ATVs are designed for speed and agility and are often used in competitive events. Dune buggies are designed for off-road driving and are often used on dunes or rough terrains.

If you’re looking for recreational toy insurance in Boise, ID, look no further than Fuhriman Insurance Agency. We can help you insure your toys so you can enjoy them worry-free. Give us a call today to learn more about our coverage options.

Does Renters Insurance Cover Structures Leased in Boise, ID?

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Have you leased a home or a structure in Idaho? If you are renting a home in Boise, ID, your space and belongings will need formidable coverage to safeguard them in case of an impending peril like fire and theft. Unfortunately, many Boise, ID residents with leased structures think their landlord’s homeowner’s insurance will also cater to their personal properties in case a calamity strikes. The truth is that the landlord is only responsible for the leased structures, not the belongings stored in them. Buying a formidable renter’s insurance from Fuhriman Insurance Agency is smart. It will cover your belongings, like furniture, clothing, and appliances, against imminent perils. Reach out to our agents today and buy renters insurance that meets your needs and budget.

At Fuhriman Insurance Agency, we offer the following types of renters insurance for leased structures:

Personal property: What will you do if your leased home is ravaged by perils such as hailstorms, theft, or getting vandalized while traveling? This type of coverage pays for the repair or replacement cost of your belongings like clothing, electronics, and furniture up to the limits in your policy.

Liability coverage: This safeguards a policyholder or their family members against lawsuits by third parties arising from physical injury or prevailing property damage. It also cushions you from damage caused by your pets.

Additional living expenses: If your leased condominium is damaged by a given peril stated in your policy and you are forced to relocate elsewhere temporarily, renters’ insurance pays for additional expenses such as hotel bills, restaurant meals, and other prevailing costs. It pays for expenses when your leased property becomes uninhabitable, and you incur additional costs as it is repaired or reconstructed.

Medical payments coverage: This type of coverage will cushion you from any accruing medical bills if a visitor staying on your leased structure or home gets injured, regardless of who is responsible.

Are you a Boise, ID resident searching for reliable renters’ insurance to safeguard yourself and your leased space? Please call or visit us at Fuhriman Insurance Agency today for a competitive quote. We fully understand renters’ insurance needs differ.

Will umbrella insurance cover things that my primary insurance doesn’t?

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Umbrella insurance is designed to act as a second insurance policy. In other words, it’s designed to act as "extra insurance" that kicks in after your primary insurance limits have been exhausted. Our team at Fuhriman Insurance Agency is committed to helping Boise, ID residents understand umbrella insurance and what it can do for them. 

How Does Umbrella Insurance Work?

Umbrella insurance only kicks in if your primary insurance fails to cover something or the maximum limits of your primary insurance have been reached. The limitations of your primary insurance must be exhausted for umbrella insurance to kick in. Umbrella insurance can also cover things not covered by a primary insurance policy if the non-covered situation is something that umbrella insurance would typically cover. However, this is a rare occurrence because umbrella insurance isn’t designed to operate as primary insurance. 

Will umbrella insurance cover things that my primary insurance doesn’t?

As mentioned above,  umbrella insurance isn’t primary insurance. It’s secondary insurance. However, there are rare situations when a primary insurance policy may not cover something that’s covered by an umbrella insurance policy. In these situations, umbrella insurance would cover what’s not covered by your primary insurance policy. Instances like this are rare because many insurance companies will do their due diligence to ensure that your primary insurance provides the coverage you need. The umbrella insurance will only kick in if the policy limits are maxed out. 

Other Considerations…

Umbrella insurance isn’t designed to cover your car, house, or possessions. It covers the cost of injury to others as well as damage you may cause to other people’s property. It covers what your primary insurance excludes and exceeds beyond primary policy limits. If you have questions regarding the benefits of umbrella insurance, call us. We’re standing by. 

What Types of Commercial Insurance Do You Need?

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There are many different commercial insurances, and it’s tough to figure out which is right for your business. But don’t worry – we’re here to help! Here are the most common types of commercial insurance:

1. Property Insurance

This type of insurance protects your business property from damage or theft. It can cover the building itself and any contents inside. Any company that owns property should have this type of insurance.

2. Liability Insurance

Personal injury protection protects you against legal responsibility if someone is injured on your property or sued for violating anti-discrimination or defamation laws. You have too much on the line not to have this type of insurance!

3. Product Liability Insurance

This is important for any company that manufactures or sells products. It offers protection to your assets if a product you sell causes harm to someone. A product liability policy can cover medical expenses, legal fees, and damages. Your Fuhriman Insurance Agency expert will help you determine the right coverage for your business.

4. Professional Liability Insurance

If you provide professional services, this type of insurance protects you from financial damages if someone accuses you of negligence. For example, if you’re a doctor and a patient sues you for malpractice, this type of insurance would cover your legal fees.

5. Workers’ Compensation Insurance

This type of insurance is required by law in most states if you have employees. It covers their medical expenses and lost wages if injured on the job. Workers’ compensation insurance protects you and your employees, so it’s a win-win.

No matter your business type, Fuhriman Insurance Agency can help you find the right commercial insurance policy. We’ll work with you to determine your coverage and get you the best rates.

Update Your Life Insurance After These Life Events in Boise, ID

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No one likes to think about their mortality, but it’s essential to have a life insurance policy in place in case the worst should happen. And while you may not need to think about your life insurance very often, there are certain times in your life when it’s a good idea to look at your policy and make sure it’s still appropriate for your needs. Here are four life events that should prompt you to update your life insurance in Boise, ID.

1. Marriage

Updating your life insurance is a good idea if you’re getting married. When you’re single, your life insurance needs are likely much different from when you’re married. A two-income household suffers when one spouse dies, so you’ll want to ensure your life insurance is enough to cover the loss of income.

2. Birth or Adoption of a Child

When you have a child, you’ll want to make sure your life insurance is enough to cover the costs of raising them. This includes things like childcare, education, and other expenses. You may also want to consider getting a life insurance policy for your child, known as a child rider. Your Fuhriman Insurance Agency agent can help you determine the right amount of life insurance for your family.

3. Change in Financial Situation

You’ll want to update your life insurance if your financial situation changes. This could be because of a change in income, a change in debts, or a change in assets. You’ll want to ensure your life insurance suffices to meet your needs. For example, purchasing a home or starting a business will likely require more life insurance than you had previously.

Learn more about updating your life insurance policy by contacting Fuhriman Insurance Agency today. Our experienced and friendly agents are here to help you find the right policy for your needs. Call us or stop by our office in Boise, ID to get started.

Environmental Risks Covered by Pest Control Insurance

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When you contact Fuhriman Insurance Agency serving Boise, ID about insuring your pest control business, you might find it surprising that we have pest control insurance at the ready. It protects your business in ways other companies receive protection from commercial insurance, but a pest control policy also protects your company from the environmental risks it undertakes.

Pest control insurance refers to an insurance bundle consisting of a business owner’s policy and other policies, including environmental risk insurance and pollution liability policy.

What does environmental and pollution insurance cover?

Damage or illness incurred by an individual or group due to your company’s treatment of their home, office, or the structure adjacent to theirs.

Certain aspects of pest control can cause issues for those around the home or business treated for pests. This includes the following:

  • Soot
  • Smoke
  • Vapors
  • Fumes
  • Alkalis
  • Toxic chemicals
  • Acids
  • Liquids or gases
  • Waste materials
  • Other irritants & contaminants

Your Environmental Liability

Your pest control business aims to make things safer for those in the home or business that you spray for pests. Still, sometimes, due to faulty tenting or venting, your pest control substances may cause a problem for another individual or family.

Your pollution liability and environmental components of your pest control insurance protect your financial security by covering the medical costs of those individuals and any settlement from the illness.

Contact Us

Contact Fuhriman Insurance Agency, serving Boise, ID, for more information on insuring your pest control service. Let us help you protect your financial security with the appropriate coverage for your pest control business, so your liability remains covered, and you can operate your business with peace of mind.

Required Auto Insurance in Idaho

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When you drive in Idaho, you are required to have auto insurance for your vehicle in virtually all cases. When you get this insurance, it will have different types of coverage within the policy. If you have an Idaho vehicle and need to get it insured, give us a call today at Fuhriman Insurance Agency in Boise, ID.

Liability Auto Insurance

Vehicles are required to have liability coverage in Idaho. The state mandates two types of liability coverage with three different coverage amounts to be included in the policy. The state requires both bodily injury or death liability as well as property damage liability. An amount is required for one person injured or killed in an auto accident. A higher amount is required for everyone who becomes injured. In addition, there is an amount required for property damage liability. All these coverage types pay for damages for third parties, not for you or anyone in your vehicle. 

Uninsured Motorist Insurance

The state also mandates that the auto policy must have coverage for uninsured motorists, though this requirement can be waived in writing. This coverage pays for your injuries and damages if you are in an accident with a motorist without insurance. The amount of this coverage has to be the same as the amount of bodily injury liability. The amounts of all these coverage types, as required by law, are relatively low when looking at other states. That’s why it’s generally recommended that you get higher coverage than is required. The state minimum amount may not be enough for a serious accident. 

Get Your Vehicle Covered by Auto Insurance

Having at least the mandated insurance amounts is essential, so you aren’t subject to fines and fees. Call us at Fuhriman Insurance Agency in Boise, ID, when you need insurance.

Don’t skimp on liability protection when it comes to you and your toys!

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ATVs and other outdoor toys are a ton of fun, but it’s essential to make sure that you have the protection you need. Folks in the greater Boise, ID area can turn to the team at Fuhriman Insurance Agency for all types of insurance protection. Get in touch and find out more!

Protect your toys and yourself

Owning an ATV, snowmobile, or similar type of outdoor toy can bring a lot of fun to your life. What better way is there to spend the day with friends and family? Ensuring that you have the protection you need before you get out on the trail is also important. 

Insurance protection is essential whether you are enjoying your vehicle on public or private land. Losses from damage to your car aren’t the only pitfalls for toy ownership. It’s also possible to experience an accident that causes injuries. This can create a situation where you may be held personally liable for several different kinds of expenses. 

Injuries that require medical attention can happen, and who pays for the medical care if someone is injured in your vehicle? Medical expenses and liability are often higher-risk situations than damage or loss of the vehicle itself. You don’t want to have financial responsibility for losses that the right toy insurance policy can cover. Now is the time to review the toy insurance options that are available.

Find out more today!

Outdoor enthusiasts in Boise, ID can rely on Fuhriman Insurance Agency for all of their insurance policy needs. We can help you find the right policy to protect you from loss and liability. Get in touch today and find out more about this necessary type of insurance. 

Does workers’ comp insurance count as part of an employee benefits package?

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Although it comprises an integral part of your Boise, ID business insurance protection and medical and employment protection for your employees, workers’ compensation insurance doesn’t count towards your overall employee benefits package. At Fuhriman Insurance Agency, we want you to fully understand what you’re buying and why it’s necessary.

Employee Benefits Package

According to The Balance, health insurance and paid time off comprise the cornerstone of an employee benefits package. Other insurance policies round out those two items, including:

  • Short-term disability
  • Long-term disability
  • Dental insurance
  • Vision Coverage
  • Life insurance
  • Health care flexible spending accounts (FSAs)
  • 401(k) or another retirement plan

So, where does workers’ comp fit in?

Workers’ Compensation Insurance

FindLaw explains that the state-mandated insurance policy covers you, the employer, in cases where your business is liable for an employee’s on-the-job injury or illness. The policy comprises part of your business or commercial insurance package. It protects your business from getting sued by your employee.

To do this, the policy accesses a fund that pays for the employee’s medical care and rehabilitative services if needed. It also pays for a portion of their wages, so even though they miss work due to injury or illness, they still have money coming into their household. Typically, it pays for about 40 percent of their wages.

If an employee does sue you, the insurance policy also covers your cost for an attorney, court fees, and the settlement.

So, although it provides funds for your employees when injured or ill due to workplace exposure, it does so to protect you from financial loss.

Contact Fuhriman Insurance Agency serving Boise, ID to obtain a workers’ compensation insurance policy that fits the state mandate and protects your financial security. Let us help you properly insure your business.